CHOOSE THE RIGHT OPTION FOR YOUR PET

Compare Pet Insurance Cover Plans

Choosing the right pet insurance can be overwhelming. With Pet Insurance Australia, you can compare our pet insurance plans to ensure you select coverage that suits you and your furry friend. Whether you have a dog or a cat, understanding the differences in coverage options, such as accident and illness, routine care, and annual limits, can help you make an informed decision. By comparing pet insurance plans, you can ensure your pet receives the care they deserve.

COVERPET ESSENTIALSCOMPREHENSIVE COVERMAJOR MEDICAL COVER
ANNUAL BENEFIT LIMIT$6,000 ($1,000 Annual Condition Limit)$30,000$30,000 (and an additional $145 for Routine Care)*
Benefit percentage (Pets older than 8 weeks and younger than 8 years)Up to 90% coveredUp to 80% coveredUp to 80% covered
Benefit percentage (Pets 8+ years)Up to 65% coveredUp to 80% coveredUp to 80% covered
EXCESS
Applies per Condition, per Policy Period and is deducted from the benefit payable to you.		$0$0, $100, $200 or $500 per annum for each unrelated condition
COVERS SPECIFIED ACCIDENTAL INJURY
COVERS ILLNESSES
CANCER TREATMENT
SKIN CONDITIONS E.G. ALLERGIES
EAR /EYE CONDITIONS
GASTROINTESTINAL PROBLEMS
TICK PARALYSIS$1,000 cover$1,000 cover$3,000 cover
CONSULTATIONS AND VISITS$300 cover$500 cover
SPECIALIST CARE1
LABORATORY AND DIAGNOSTIC TESTS1
HOSPITALISATION1
RADIOLOGY1
PRESCRIPTION MEDICINE & DRUGS1
SURGERY1
CRUCIATE LIGAMENT CONDITIONS$4,000* cover$5,000* cover
HEREDITARY AND CONGENITAL CONDITIONS
ROUTINE CARE
(non-insurance benefit)
LIFETIME COVERAs long as we continue to provide this product and there are no gaps or breaks in cover and subject to the terms and conditions of the policy for each renewal period.
21-DAY COOLING-OFF PERIOD
EMERGENCY BOARDING
for your pet at a licensed boarding facility if you are hospitalised for one or more days or require accommodation due to family violence up to a maximum of:		$500 cover$1,000 cover$1,200 cover
PRE-EXISTING CONDITIONS
(More information about Pre-existing Conditions is available here)
Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing condition page for more information.
MULTIPET DISCOUNT: UP TO 15%~We offer an incremental 5% discount for each additional pet you insure after the first one up to a maximum discount of 15%.
EXAMPLE:
2nd pet – 5%
3rd pet-10%
4 and more pets -15%
WAITING PERIODNo waiting period for specified accidental injuries.
30 days for illness conditions		No waiting period for specified accidental injuries (other than a cruciate ligament condition)
6 months for cruciate ligament conditions#
30 days for illness conditions

*you may be eligible for a higher limit; if so, this will be specified in your certificate of insurance.
*Separate limit for the non-insurance Routine Care item.
^These are defined policy terms with specific meanings. Please see the definitions section of the Product Disclosure Statement for more information.
#There is a 6-month waiting period for cruciate ligament claims under the Comprehensive and Major Medical plans. This waiting period may be waived at our discretion. For details on the waiver process, refer to the applicable Product Disclosure Statement.
1In relation to covered conditions
~Multi-Pet Terms & Conditions can be viewed here.

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Frequently Asked Questions

  • How to compare pet insurance plans?

    To compare pet insurance plans, consider factors like coverage options, annual limits, premiums, and waiting periods. Look at the product disclosure statement (PDS) for details on what each plan covers. Compare pet insurance quotes from our different cover options to help you find the best fit for your needs. Whether you are looking to compare pet insurance plans for dogs, or compare pet insurance plans for cats, the key factors to consider is annual benefit limit, how they apply to your pet based on its age. Many pet insurance policies also include non-insurance benefits for customers, exploring all of your benefits is important.
    It is also important to consider the general exclusions that apply, such as pre-existing conditions.

  • What are the differences between levels of cover?

    Comprehensive plans typically offer the most extensive coverage, including specified accidental injuries and illnesses, but may come with higher premiums. Evaluate your pet's lifestyle and potential risks to determine the most suitable level of cover. Always read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure the product is right for you and your needs.

  • How do I get the best out of my pet insurance?

    To get the best out of your pet insurance, regularly review your policy to ensure it still meets your needs. Keep track of vet bills and submit claims promptly. Understanding your policy's terms and conditions, including any exclusions or limits, will help you make the most of your coverage.

1 - Terms & Conditions Apply. 2 Month Offer Terms & Conditions can be viewed by clicking here

2 - Depending on your level of cover. Policy T&Cs, limits, exclusions, waiting periods and excess may apply.

3 - You may be eligible for a higher limit; if so, this will be specified in your certificate of insurance.

4 – Applies per Policy Period and is deducted from the benefit payable to you, depending on the cover option chosen. Please note the $600 excess option is not available with a 70% benefit percentage.

5 – T&Cs Apply. MyPetPass® is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available to holders of active policies. myPetPass® perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPass® perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPass® through the offer or provision of perks, or that the myPetPass® rewards programme or any myPetPass® perks or features of myPetPass® will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms.

6 – After all documentation received.

7 - A separate limit applies to the non-insurance Routine Care item. Routine Care limits apply to specific routine care items. Click here for more info.

8 - There is a 6-month waiting period for cruciate ligament claims. This waiting period may be waived at our discretion. For details on the waiver process, refer to the applicable Product Disclosure Statement.

9 - Terms & Conditions Apply. 3 Month Offer Terms & Conditions can be viewed by clicking here

10 - Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use.

11 - Available at participating vets, find your nearest GapOnly® Vet at gaponly.com.au. The gap is the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. GapOnly® is available on eligible claims at participating vets with a pet insurance policy from a GapOnly® pet insurance partner.

12 - A 5% discount off your second pet insured, 10% discount off your third pet insured, 15% discount off your fourth and subsequent pets insured. For full terms and conditions of this discount, click here

13 - Policy T&Cs, Booster Care limit, applicable benefit percentage, waiting periods and exclusions apply. Annual excess may apply.

14 - Policy T&Cs, limits, exclusions and waiting periods apply. Annual excess may apply.

15 - Depending on the level of cover chosen

Pet Insurance Australia policies entered into for the first time prior to 8 May 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted, distributed and arranged by PetSure’s Authorised Representative (AR) Pet Insurance Australia Pty Ltd ABN 85 113 507 850, AR 326233 (PIA). Pet Insurance Australia policies entered into for the first time on or after 8 May 2023 and subsequent renewals of those policies are issued by PetSure and promoted, distributed and arranged by PetSure’s AR, PIA. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. the PDS and Target Market Determination available at petinsuranceaustralia.com.au.

We understand that there are times when our customers may be feeling vulnerable due to a range of factors. In these situations, we are committed to taking extra care and recognise these vulnerabilities can give rise to unique needs, which can change over time or in response to particular situations. If you are experiencing vulnerability and would like more information on the extra care we can provide please email us on [email protected]. You can also access our underwriter’s Family Violence Policy here, and their website also contains additional accessible ways you can contact us.

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